Businesses & finance teams
Unpaid commercial invoices, overdue accounts receivable, supply agreements and service contracts. Support when internal follow-up has stopped producing results.
For corporate creditors
Corporate
Debt Recovery
A clear path from unpaid accounts to recovery.
Practical legal recovery for businesses, financial institutions, lenders and insurers across Ontario, Alberta and British Columbia. From the first file review to settlement, court proceedings and enforcement.
Corporate clients exclusively · Clear budgets · Practical reporting
Watch Michelle · 2:54Turning receivables
into recoveries
into recoveries
Michelle Haigh · Founder & President
Built around your business
Recover what is owed.
Make every step count.
Unpaid invoices and defaulted accounts take time away from your team and put pressure on cash flow. Corporate debt recovery brings a structured legal process to accounts that need more than another reminder.
We work with your finance, credit and recovery teams to assess the evidence, agree on a budget and choose the next practical step. The objective is an informed recovery decision on each account, whether you refer one file or a portfolio.
Financial institutions & lenders
Defaulted lending accounts and equipment or auto finance balances. A file review considers the agreement, payment history, guarantees and any security.
Insurers & recovery teams
Corporate recovery support with a clear route for claims arising from insured losses.
Explore insurance subrogation →For financed assets held over disputed repair or storage charges in Ontario, explore our Repair and Storage Liens Act services.
From assessment to collection
A strategy for every
stage of recovery.
Each stage should have a purpose, a budget and a clear next step. We consider settlement opportunities throughout the life of a file.
Assess the account
Review contracts, invoices, payment history, the debtor’s legal identity, limitation dates and available information about collectibility.
Why business searches matter →Seek a practical resolution
Use a focused demand and negotiations to explore payment, a documented settlement or a payment arrangement suited to the account.
How legal recovery helps →Advance the court claim
Where litigation is appropriate, prepare the claim and evidence, arrange service and manage the applicable court process through settlement or a decision.
Understand court selection →Plan for collection
A judgment does not guarantee payment. Review available enforcement options, the debtor’s circumstances and the cost of further steps before proceeding.
Assess the prospects of recovery →Cost clarity from the outset.
Block fees and approved file budgets help your team weigh the cost of action against the prospects of recovery.
Ontario · Alberta · British Columbia
One corporate focus.
A strategy for each province.
Court limits, procedures and enforcement options vary. The location of the parties, contract terms, claim type and balance all inform where and how to proceed.
Ontario
Small Claims Court
$50,000
Maximum eligible claim
A practical route for eligible unpaid invoices, lending claims and commercial disputes. We assess the evidence, appropriate parties and recovery prospects before advancing a claim.
Explore Ontario court services →Official court guidance ↗Alberta
Alberta Court of Justice
$100,000
Maximum eligible claim
The civil division can hear eligible debt claims within its monetary jurisdiction. We help corporate creditors assess their accounts and pursue a proportionate recovery strategy.
Explore Alberta court services →Official court guidance ↗British Columbia
Provincial Court · Small Claims
$35,000
Maximum eligible claim
Supporting businesses in Vancouver and across BC. Most claims of $5,000 or less go to the Civil Resolution Tribunal; the right forum and representation options need to be reviewed for each file.
Explore British Columbia court services →Official court guidance ↗Limits shown exclude applicable interest and costs. Eligibility and representation depend on the matter and forum. Watch Michelle explain how court limits affect recovery strategy.
The debt recovery knowledge hub
Better information.
Better recovery decisions.
Watch Michelle explain the issues
Video · 27 seconds
The Cost of Ignoring Unpaid Receivables
Unpaid invoices affect profitability, cash flow, and growth. Watch Michelle explain why taking action matters.
Video · 30 seconds
Why Businesses Struggle with Accounts Receivable Recovery
Three common barriers to collecting unpaid accounts, from client relationships to recovery deadlines.
Video · 29 seconds
How Legal Recovery Transforms Accounts Receivable
Explore how formal recovery processes, judgments, and settlements can help address unpaid invoices.
Read the creditor’s perspective
Article · Michelle Haigh
Five Things Every Judgment Creditor Dreams of Hearing
Why a debtor’s changing financial circumstances matter when planning judgment recovery.
Read the article →Article · Michelle Haigh
The New Ontario Small Claims Limit: More Than a Headline – A Strategic Advantage for Lenders
What Ontario’s higher claim limit means for lending portfolios and the cost of pursuing eligible debts.
Read the article →Article · Michelle Haigh
Why Filing a Proof of Claim in a Consumer Proposal Matters
For lenders whose borrowers enter a consumer proposal: the role of a proof of claim and the information needed for review.
Read the article →From closed files
Corporate recovery in practice.
See how demands, court proceedings, enforcement and due diligence have shaped real files. Each outcome reflects its own circumstances.
Case Study · Debt Recovery
Collecting Alberta Acoustic-Testing Fees Through Bank Garnishment
Unpaid acoustic-testing fees led to default judgment and enforcement against a construction company’s bank account, producing payment of the judgment.
AlbertaProfessional FeesDefault JudgmentBank Garnishment
Read case study Case Study · Debt Recovery
Payment After Default Judgment in an Alberta Restaurant Supply Debt
A food distributor’s unpaid restaurant account led to default judgment and a writ, followed by a cheque payment resolving the outstanding balance.
AlbertaTrade CreditDefault JudgmentCommercial Collections
Read case study Case Study · Debt Recovery
Corporate Debt Collection: When Due Diligence Changes the Plan
A litigation search revealed competing claims against a corporate debtor, helping a business assess whether further collection steps were worthwhile.
Small ClaimsCorporate CollectionsCollectabilityPre-Litigation Review
Read case study Questions from corporate creditors
Before you refer
an account.
Practical starting points for your recovery team. Linked Ontario FAQs address Ontario procedures; other provinces require their own review.
Explore our full FAQ library →Who is this debt recovery service for?
We act for corporate creditors: businesses, financial institutions, equipment and auto finance lenders, and insurers. This service is for organizations recovering money owed to them. We do not accept personal debt recovery matters from individuals.
Discuss a corporate account →What should our business provide for a file review?
Start with the signed agreement or credit application, invoices, an up-to-date account ledger, payment history, correspondence and the debtor’s contact details. Include any guarantees, security documents, previous demands or court documents so the team can assess the account in context.
Read about identifying the correct debtor →Is it worth pursuing an unpaid account through court?
The balance owing is only part of the decision. Evidence, potential defences, limitation dates, legal costs and the debtor’s ability to pay all matter. We review the likely value of further steps with your team before recommending a strategy.
Read the collectibility FAQ →What happens if a debtor does not pay after judgment?
Enforcement may be necessary. Depending on the province and the file, options can include garnishment, an examination of the debtor’s finances or enforcement against assets. The appropriate steps depend on available information, applicable rules and expected recovery.
Read the Ontario garnishment FAQ →Can a judgment be enforced in another province?
An out-of-province judgment is not automatically enforceable wherever the debtor or assets are found. Registration or another court proceeding may be needed. The originating jurisdiction, destination province and type of judgment determine the available route.
Read about enforcing an out-of-province judgment in Ontario →How are corporate debt recovery fees managed?
We use block-fee pricing and file budgets to help corporate clients evaluate legal spending alongside recovery prospects. The scope, expected steps and disbursements are reviewed for your matter; the budget is not exceeded without approval.
Review our fee approach →Let’s review the next step
Put your unpaid accounts
in perspective.
Tell us about your business, the province involved and the accounts you want to recover. We’ll help assess the fit and discuss a practical way forward.